The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,889
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,166
−HK$281/mo
Today · 4.125%
HK$9,447
baseline
▲ 0.50% · 4.625%
HK$10,021
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,894/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,889
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,154
−HK$269/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$10,973
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,846/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,667
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,999
−HK$337/mo
Today · 4.125%
HK$11,336
baseline
▲ 0.50% · 4.625%
HK$12,026
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,672/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,867
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,185
−HK$323/mo
Today · 4.125%
HK$12,508
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,016/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,445
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,832
−HK$393/mo
Today · 4.125%
HK$13,225
baseline
▲ 0.50% · 4.625%
HK$14,030
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,450/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,845
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$377/mo
Today · 4.125%
HK$14,593
baseline
▲ 0.50% · 4.625%
HK$15,362
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,186/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,000
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$506/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$18,039
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,800
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$484/mo
Today · 4.125%
HK$18,762
baseline
▲ 0.50% · 4.625%
HK$19,751
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,524/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).